Mental health and retirement savings: Confounding issues with compounding interest
研究发现心理健康问题显著降低退休储蓄，心理困扰使持有退休账户的概率下降最多24个百分点，退休储蓄占金融资产的比例下降最多67个百分点，凸显雇主政策和政府监管的重要性。
The questionable ability of the U.S. pension system to provide for the growing elderly population combined with the rising number of people affected by depression and other mental health issues magnifies the need to understand how these household characteristics affect retirement. Mental health problems have a large and significant negative effect on retirement savings. Specifically, psychological distress is associated with decreasing the probability of holding retirement accounts by as much as 24 percentage points and decreasing retirement savings as a share of financial assets by as much as 67 percentage points. The magnitude of these effects underscores the importance of employer management policy and government regulation of these accounts to help ensure households have adequate retirement savings.